Coventry Health Insurance of Georgia (GA) | Health Insurance Georgia | Health Insurance Georgia Plan Questions

Health Insurance Georgia Questions

Health Insurance Georgia Plan Questions

When you are buying a health insurance Georgia policy, please keep in mind all of the questions you need to ask to get all of the information that you need to make a good decision. Here is a list of some helpful questions to ask of your health insurance Georgia provider as you are narrowing down your policy options:

  • What deductible needs to be met before you start receiving benefits from your health insurance Georgia policy?
  • Are there exclusions or waiting periods for pre-existing conditions on your health insurance Georgia plan?
  • Are my favorite doctors, hospitals, and pharmacies a part of the health insurance Georgia plan network?
  • Is there a lifetime maximum? What about an out of pocket limit?
  • Does your health insurance Georgia policy require you to designate a primary care physician and get referrals to see other health care providers?
  • Is there a family deductible that needs to be met, or does your health insurance Georgia policy require each family member to meet each individual deductible first?

Asking these questions will help you determine how much you will be responsible for, financially, once your health insurance Georgia plan becomes effective. All of these questions, and their answers, will provide you with important information about how good your coverage is, with the particular health insurance Georgia policy that you are investigating.

If you find out that your health insurance Georgia policy does not include certain services, such as mental health, or dental and vision medical services, you may be able to add on riders that will provide coverage and benefits for these things. Many health insurance Georgia plans will allow you to add on vision and dental coverage to your existing policy. Or you may need to purchase an individual dental or vision health insurance Georgia policy from another carrier if necessary.

Many people actually exclude mental health services from their health insurance Georgia policy in order to save money on premiums. You may want to consider this if you need to keep costs down. However, remember that you get health insurance for when you need services, not because you need them right now. Sometimes it is better to have access to those services before you need them. The risk you run is that if you want to add them on at a later date, the health insurance Georgia carrier may impose a waiting period until you get benefits. And then, you are stuck without the services, paying for the additional premiums, and needing help with your bills. It is better to be prepared and safe than sorry, as the saying goes.

When you are calling a physician's offices, here are some questions you can ask them to make sure you are maximizing your health insurance Georgia plan benefits:

  • Is the physician a preferred provider with your health insurance Georgia plan network?
  • Will the doctor's office file all claims themselves?
  • Can they check whether your health insurance Georgia plan requires pre-authorization before receiving specific medical services?

Do not be afraid to ask questions, and practice assertiveness getting all the information you need about the detailed benefits, inclusions, and exclusions of your health insurance Georgia plan.

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